Why is Finance House PJSC ?
1
With ROA of -0.09%, it has a risky valuation with a 2.20 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 2.80%, its profits have fallen by -124%
How much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Finance House PJSC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Finance House PJSC
-100.0%
1.13
23.37%
Abu Dhabi Securities Exchange
7.69%
1.13
8.08%
Quality key factors
Factor
Value
Sales Growth (5y)
-2.91%
EBIT Growth (5y)
-3.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation Key Factors 
Factor
Value
P/E Ratio
123
Industry P/E
Price to Book Value
2.13
EV to EBIT
69.67
EV to EBITDA
34.41
EV to Capital Employed
1.84
EV to Sales
3.38
PEG Ratio
0.54
Dividend Yield
NA
ROCE (Latest)
2.64%
ROE (Latest)
1.73%
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Sideways
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Movement
25What is working for the Company
OPERATING CASH FLOW(Y)
Highest at AED 20.48 MM
NII(Q)
Highest at AED 33.62 MM
CASH AND EQV(HY)
Highest at AED 1,000.36 MM
OPERATING PROFIT(Q)
Highest at AED 7.75 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.93 %
PRE-TAX PROFIT(Q)
Highest at AED 12.97 MM
NET PROFIT(Q)
Highest at AED 6.97 MM
EPS(Q)
Highest at AED 0.03
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 129.49%
Here's what is working for Finance House PJSC
Pre-Tax Profit
At AED 12.97 MM has Grown at 278.94%
over average net sales of the previous four periods of AED 3.42 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (AED MM)
Net Profit
At AED 6.97 MM has Grown at 5,624.75%
over average net sales of the previous four periods of AED -0.13 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (AED MM)
Operating Cash Flow
Highest at AED 20.48 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (AED MM)
NII
Highest at AED 33.62 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (AED MM)
Operating Profit
Highest at AED 7.75 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (AED MM)
Operating Profit Margin
Highest at 13.93 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at AED 12.97 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (AED MM)
Net Profit
Highest at AED 6.97 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (AED MM)
EPS
Highest at AED 0.03
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (AED)
Cash and Eqv
Highest at AED 1,000.36 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at AED 3.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (AED MM)
Here's what is not working for Finance House PJSC
Credit Deposit Ratio
Lowest at 129.49%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)






